Group 1 - The Shandong Province meeting emphasized the importance of promoting a "good financial brand" and announced the selection of exemplary cases and products for 2025, with Zhejiang Merchants Bank's Jinan branch's "Talent Bank" included in the list of "good financial" technology finance products [4] - Wang Junshuang, the president of Zhejiang Merchants Bank's Jinan branch, highlighted the need for commercial banks to transition to a new development model of "technology + industry + finance" to better support technological innovation [7] - The bank aims to provide comprehensive services by shifting from single-point services to diversified offerings, focusing on long-term partnerships rather than short-term profits, and proactively empowering enterprises [7] Group 2 - Zhejiang Merchants Bank's Jinan branch has developed a full lifecycle financial service system for technology innovation, launching 30 specialized products tailored to the different stages of technology enterprises [8] - The bank addresses the financing challenges faced by early-stage tech companies by utilizing scoring cards and big data risk control models, transforming intangible assets like patents into financial capital [8] - For growth-stage companies, the bank relaxes profitability requirements and offers larger, longer-term credit support, while also facilitating equity financing and strategic investments [8][9] Group 3 - The bank is also converting digital assets accumulated during business operations, such as invoices and utility payments, into credit limits, and providing tailored financing solutions for supply chain enterprises [9] - Wang Junshuang pointed out the importance of reshaping credit risk control logic, focusing on social value rather than solely on financial metrics, and establishing a differentiated evaluation system for technology enterprises [10] - The bank's initiatives aim to support small and medium-sized enterprises, with 90% of its clients in this category, and to enhance the professionalism and precision of risk control for innovative companies [10] Group 4 - The banking sector's focus on enhancing financial services for the real economy is crucial for high-quality development and the transformation of commercial banks [11] - Zhejiang Merchants Bank's Jinan branch is committed to supporting technology enterprises and contributing to the establishment of a robust technology innovation ecosystem in the province [11]

Group 1 - The core viewpoint emphasizes the importance of technology, talent, and innovation as primary drivers for national development, with a focus on implementing strategies to attract and retain high-level talent [1] - Zhejiang Merchants Bank launched a specialized financial service brand, "Talent Bank," aimed at high-level talent in 2016, and has since evolved its service offerings to better support the lifecycle needs of talent-driven enterprises [1][2] - As of now, Zhejiang Merchants Bank has served over 4,000 high-level talents and 65 high-level talent technology enterprises, providing a total of 5.6 billion yuan in various financing, particularly supporting strategic emerging industries such as semiconductor technology and biomedicine [2] Group 2 - The Talent Bank business model shifts focus from traditional asset and revenue assessments to prioritizing the role of individuals, providing a viable financial approach for institutions to support technology-driven enterprises [2] - A notable case involves a national-level "little giant" enterprise specializing in LN single crystal film production, which has faced continuous losses despite its strategic importance in the 5G technology supply chain [3][4] - Zhejiang Merchants Bank's Jinan branch provided a comprehensive credit line of 20 million yuan to the aforementioned enterprise, recognizing the strength of its high-level talent team and their strategic vision, thereby supporting its growth despite existing financial challenges [4]

Group 1: Company Overview - Zhejiang Fubao Intelligent Technology Co., Ltd. focuses on the development of robots for medical and elderly care, becoming a leader in this niche market [1][3] - The company has developed products like "Dabao" and "Xiaobao," which assist in rural healthcare and home medical care, respectively [3][4] - Fubao Intelligent has seen a significant increase in market share in the domestic elderly care service robot sector and has received international orders from countries like the Netherlands and Germany [3] Group 2: Financial Support and Innovation - Zheshang Bank has been instrumental in providing financial support to technology companies, offering a "companion-style" service that includes funding and ecosystem support [2][4] - The bank has served over 32,000 technology enterprises with a financing balance exceeding 400 billion yuan [1] - Fubao Intelligent received a 10 million yuan loan from Zheshang Bank to alleviate production funding pressures during a period of rapid growth [4] Group 3: Industry Trends and Challenges - The robotics industry is experiencing a development boom, with various products emerging in the market [3] - The aging population presents a significant challenge that Fubao Intelligent aims to address through its innovative solutions [3][5] - The bank's approach to financing has evolved to focus on the value of patents and future potential rather than traditional collateral [4][10] Group 4: Technology and Talent Focus - Zheshang Bank's "Talent Bank" service evaluates companies based on their talent and technological capabilities, moving away from traditional financial metrics [7][10] - The bank has provided significant credit lines to companies like Jiangfeng Electronics, supporting their growth in the semiconductor industry [7][8] - The focus on human capital and innovation is seen as essential for the success of technology-driven enterprises [5][7]

这意味着，在行业整体业绩承压的背景下，浙商银行仍实现利息净收入与归母净利润的"双升"，不仅稳 住了经营基本盘，更凸显出其穿越周期的增长韧性，其背后的经营之道值得深入剖析研究。 经营基本面持续夯实，资产负债结构稳中向优 在当前银行业普遍面临息差收窄挑战的大环境下，浙商银行围绕内控提质、资产负债结构优化和资产质 量管控多点发力，坚持"稳中求进"主基调，不断夯实运营稳健性，为中长期高质量发展持续积蓄动能， 展现出其在复杂环境下的战略定力与清晰规划。 如何在周期低位守住基本盘、借助政策窗口推进业务升级，可以说是当前经济环境下商业银行的共同命 题。 浙商银行（601916.SH/2016.HK）近期发布的2025年第一季度财报显示，截至2025年3月31日，该行实现 营收171.05亿元，利息净收入119.81亿元，同比增长1.38%；归属于母公司股东的净利润59.49亿元，同 比增长0.61%，整体经营质效稳步提升。 首先从资产端来看，报告期内，浙商银行资产总额超3.4万亿元，较上年末增长3.54%，其中发放贷款和 垫款总额达1.89万亿元，较上年末增长1.81%，主要得益于公司年内持续加大对实体经济的信贷投放力 度 ...

中新社北京4月30日电 (记者 夏宾)过去，初创科技型企业缺乏传统贷款业务所需的重资产抵押品，常面 临融资难题。现在，人才、技术等也成了增信的硬指标。 清华大学国家金融研究院院长田轩指出，回顾2024年，中国科技创新增长表现亮眼，1月至11月高技术 制造业投资累计同比增长8.8%。这表明，科技创新投资正成为支撑产业转型升级、推动经济稳步增长 的关键力量，对于应对内外经济压力发挥不可替代的作用。 田轩认为，2025年，通过加大科技创新投资、优化生产力布局、发展新兴产业进一步激发科技创新对经 济发展的带动作用，将是中国经济行稳致远的关键之举。 生物医药企业杭州脉流科技正是受益于科技金融产品创新，通过浙商银行"人才银行"模式，获得3000万 元人民币授信支持，实现了技术突破和海外上市计划。从人才到数据再到专利，评定科创企业信用的体 系愈加丰富；从银行到债市再到股市，支持科创企业的金融市场持续发力，作为中国金融"五篇大文 章"之首的科技金融，正写出新篇章。 浙商证券首席经济学家李超称，观察现在资金的要求，一般都有"四投"的要求，即"投早、投小、投长 期、投硬科技"。国家创业投资强化对企业的股权融资，有助于重塑国家资产 ...

智通财经记者 | 杨志锦 "我们正处于业务扩张期，研发投入大，资金需求也大。但我们的一个特点是轻资产，这导致在融资过 程中缺少抵押担保，有一些困扰。"和利时卡优倍科技有限公司创始人兼CEO周东红4月18日表示。 该公司成立于2018年6月，是工业数字化顶层架构设计和工业AI底层技术提供商，其研发人员占比超过 60%，是一家典型的科技型企业。 浙商银行深入评估该企业知识产权数量和质量、科研团队实力、科技创新成果奖项等"软信息"，并结合 周东红是宁波市级拔尖人才的背景，决定通过"人才银行"产品与该企业开展合作，2024年批复信用额度 2500万元。 这是浙商银行践行科技金融大文章的一个缩影。科技是第一生产力，但科技型企业在初创阶段普遍存在 现金流不稳定、合格抵押品匮乏、商业模式不清晰等难题，近年来包括浙商银行在内的金融机构不断探 索中，商业银行发展科技金融的路径逐渐清晰。 经过近10年的实践，浙商银行给出的答案是"读懂人才"——抓住科技型企业中"人"这个因素，让人才指 标成为科技型企业授信的关键因素，"院士团队估值不如厂房设备"的传统信贷困境得以破解。 今年初，以浙江省杭州市"六小龙"为代表的科技型企业引发广泛关 ...

导语：在"五篇大文章"的战略指引下，中国科技金融生态正经历新一轮重构。浙商银行十年耐心实践与"善科陪伴计划"，恰是这场国家行 动的微观映射。 金融范式创新 游标卡尺能丈量厂房面积，却无法为知识资产与"人才价值"定价。 当传统银行汲汲于"所见即所得"的思维惯性，如何"接得住"服务中国科技创新的时代命题？ 一场发生于十年前的商业银行突围实践，给出了破局解法。 浙商银行（601916.SH）2016年创新性推出的全国首个"人才银行"，以"人"而非"物"作为信用锚点，将4000余名高层次人才的创新潜力转化为 超300亿元的融资支持。 于是，浙商银行提出"以人定贷"的概念，并创立"人才银行"这一金融服务 品牌。 遵循这一设计理念的信用贷款产品，是以人才价值、政府对人才的认可度、人才企业的发展潜力作为主要评估依据，弱化营收、利润和负债率 等传统财务因素，给予人才企业最高3000万元的信用支持。 而今，这一金融品牌又进行了"新版本"迭代。 4月16日，"善科致远·创见未来——金融支持科技企业发展大会"在杭州举行。 在会上，浙商银行发布面向科技企业的全新综合金融服务品牌——"善科陪伴计划"。 浙商银行党委书记、董事长陆建强表 ...